Why 21Financials?

Because we’re not just bean counters. We’re a Virtual CFO, brimming with ideas to enhance
your organisation’s fortunes.

A vCFO is shorthand for Virtual CFO, or “virtual” Chief Financial Officer, and is an outsourced service provider offering high-skill assistance in the finance & accounting requirements of an organisation. They perform the same duties for SME’s as an in-house Chief Financial Officer would for a large corporate, usually on a part-time basis, which significantly reduces the cost to the organisation.

Our founder, Karen te Lintelo, possesses over 25 years’ experience in accounting & financial consulting. She worked her way from the ground up to the highest echelons of her field, across a number of industries within the SME sector. Her extensive qualifications and passion for problem solving, coupled with her continued professional development in the areas of business strategy, team development, and corporate governance, has her well positioned to offer Australian businesses a unique perspective on their pursuit of profits and growth.

21Financials’ consultants live and breathe business. We understand how to get the best out of your business model, and if that model is imperfect we’ll work with you to fix it. Our true mission is to approach SMEs’ profit & growth problems with the same vigour one would expect from an corporate-level organisation -- but, as a female-owned and operated firm, we’re able to look at problems from a different perspective than most. We dare to be different.


Incorporation, expansion, M&A due diligence, debt facilitation, long-term strategic consultation

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NDIS Plan Management

Expert guidance for NDIS plan management decisions, compliance with regulations, and dispute resolutions

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Team Development

Mentoring and training for your finance and accounting departments and your organisation’s leadership team

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Business Partnering

“Change-agent” strategising in close collaboration with business owners, MDs, CEOs, and other executives

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Governance & Compliance

Annual reports, audit prep, risk management, disaster recovery, and related corporate administration duties

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Our founder, Karen te Lintelo, possesses over 25 years’
in accounting & financial consulting

  • AICD
  • GIA
  • Bachelor’s
  • Certifications
  • Master of Business Administration
  • CPA